Hi, What do you do when all your credit is on one report? I know someone who has 4 tradelines on equifax and only one or so on experian and none on trans union! How can he apply for the cpmpanies that pull the other CRA's report! kev
Wierd! What companies does he have already? Some companies report to the other bureaus, but they just do it less often - like quarterly. breeze
If his credit is with credit unions that's common. You can request of the CRA that the other tradelines be added. There's a nominal fee and they call the creditors and verify. I've never done it but I've heard about it. Have him call and ask the process. If he's got a couple of recent accts and 1 or 2 older accounts it could be to his benefit. Add the oldest ones only and he'll look lighter in available credit (meaning he'll get higher lines from new creditors).
Marie, Hi, are you saying that they should call the CRA who does not have their info and have them request it from the other bureau and get paid a fee? Or are you saying that the Bureau who does have it should send it to the other one and they get paid the fee? Who gets paid, the one sending or the one adding? Or both. Could you please tell me as much as possible about this?!! kev
